IIBF CERTIFICATION 2025 DAILY UPDATES
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KYC/AML, Debt Recovery Agent, Prevention of Cyber Crime and Fraud Management, MSME, Digital Banking, certified Credit Professional.
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TIRM Q. Indian companies issuing GDRs must comply with FEMA and FDI guidelines.
Anonymous Poll
95%
TRUE
5%
FALSE
KYC/AML Q. The primary objective of money laundering is to conceal the illicit origin of funds and make them appear legal.
Anonymous Poll
93%
TRUE
7%
FALSE
TIRM Q. The redemption amount of a bond can be more than its face value in zero-coupon bonds.
Anonymous Poll
59%
TRUE
41%
FALSE
CCP Q. Specified Borrowers must raise 100% of incremental funds through market instruments.
Anonymous Poll
62%
TRUE
38%
FALSE
DRA Q. FPC mandates that application procedures should not be cumbersome.
Anonymous Poll
94%
TRUE
6%
FALSE
Regulatory & RBI Policy Updates – Key Highlights (Latest)

🏦 Dividend Payout Framework (Draft)
• Dividend distribution to be linked with CRAR, asset quality (GNPA/NNPA), and profitability
• Objective: strengthen capital buffers and ensure financial stability
• Implementation proposed from FY 2026–27

🧑‍⚖️ Governance Reforms – Co-operative Banks
Director tenure cap: 10 years
Mandatory cooling-off period: 3 years after maximum tenure
• Aim: improve board independence and governance standards

💳 Digital Banking Authorization Norms
• Prior RBI approval mandatory for internet, mobile, USSD, and SMS banking
• Enhanced focus on cybersecurity, IT audit, and risk controls
• Effective from 1 January 2026

🤝 Co-Lending Framework (Banks–NBFCs)
• Uniform rules for risk sharing, customer protection, and disclosures
• Lead bank responsible for compliance and monitoring
• Effective from 1 January 2026

📉 NBFC Regulatory Action
Cancellation of CoR of 35 NBFCs for non-compliance
• Strong signal on zero tolerance for regulatory lapses

📊 Credit Risk & Related-Party Lending
• Stricter controls on loans to promoters, directors, and related parties
• Enhanced disclosure and approval thresholds based on exposure size

🗂️ Dormant / Inactive Account Monitoring
• Inactive and zero-balance accounts subject to closure if KYC not updated
• Objective: reduce fraud, mule accounts, and operational risk

🔐 Regulatory Focus Areas (2026 Outlook)
• Asset quality vigilance (especially unsecured retail & agri loans)
• Stronger governance, compliance discipline, and risk-based supervision
• Consolidation of circulars into Master Directions for clarity and uniformity
2
ITF Q. Internationally reputed inspection agencies like SGS can issue inspection certificates accepted in global trade.
Anonymous Poll
94%
TRUE
6%
FALSE
TIRM Q. Foreign Currency Convertible Bonds (FCCBs) are not subject to ECB regulations.
Anonymous Poll
43%
TRUE
57%
FALSE
ITF Q. A Truck Receipt is primarily used for long-distance ocean shipments between continents.
Anonymous Poll
48%
TRUE
52%
FALSE
TIRM Q. FCCBs are allowed to attach equity warrants at the time of issue.
Anonymous Poll
86%
TRUE
14%
FALSE
KYC/AML Q. Use of benami or proxy accounts helps conceal the true identity of launderers.
Anonymous Poll
95%
TRUE
5%
FALSE
TIRM Q. Fixed Deposits are highly liquid and freely tradable money market instruments.
Anonymous Poll
65%
TRUE
35%
FALSE
CCP Q. System-wide PD analysis is helpful in assessing potential systemic vulnerabilities.
Anonymous Poll
93%
TRUE
7%
FALSE
TIRM Q. Dematerialized trading of shares is now mandatory for listed stocks as per SEBI rules.
Anonymous Poll
95%
TRUE
5%
FALSE
1